Gray Fox Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
96th0.4% deniedPricingmedian rate spread over APOR, weight 30%
61st0.19 ptsProcesswithdrawn + incomplete share, weight 15%
51st11.4%Closing coststotal loan costs ÷ loan amount, weight 10%
75th1.28% of loanTrend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 239 | 207 | 0.0% | 0.0% | 6.99% | $84M |
| 2025 | 254 | 224 | 0.4% | 0.4% | 6.69% | $98M |
What Gray Fox Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 14 investment properties.
Why Gray Fox Mortgage denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Gray Fox Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 45 | 37 | 2.6% |
| $100k – $150k | 62 | 57 | 0.0% |
| $150k – $250k | 95 | 88 | 0.0% |
| Over $250k | 45 | 37 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 62 | 58 | 0.0% |
| 35–44 | 69 | 62 | 1.6% |
| 45–54 | 58 | 48 | 0.0% |
| 55–64 | 37 | 32 | 0.0% |
| 65–74 | 23 | 20 | 0.0% |
Where Gray Fox Mortgage lends
2 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 253 | 223 | 0.4% | 6.63% | #183 |
Frequently asked questions
Gray Fox Mortgage denied 0.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of small mortgage lenders.
The most common reason Gray Fox Mortgage gave in 2025 was "other", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Gray Fox Mortgage originated in 2025 was 6.69%, and its median rate spread over the average prime offer rate was 0.19 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 91% of its applications were for home purchases, 9% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 92% conventional, 0% FHA, 8% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.